No Limit Motors I was in a car rack its was the other drive fault/no insurance, the only insurance I had was with the car lot that covered the truck, they fixed and ask for $500 deductible, said my total was $1300, needed $500 by the 31st, they put it as a repo mesquite Texas

I don't work for this dealership or any other car dealership. However, I can tell that you are completely confused about the entire process of purchasing and owning a vehicle.

First, I assume that you made a mistake when you put "rack" rather than "wreck". Wreck means damaged through collision. "Rack" means a stand on which you display items. For example, when you go to the store, you might see a hat rack. You can see that those two words are completely different.

Secondly, you are supposed to obtain auto insurance to fully cover your vehicle per your state's DMV. The insurance is to be paid regardless, even if the vehicle is not running or is wrecked in an accident. It appears that you chose to use the worst insurance available: the insurance through the car lot. Not only is this particular insurance high cost insurance, but the coverage is generally low to non-existant; that is why it is considered the worst. At least the car lot personnel applied the payment correctly: toward the insurance billing first and the balance to your auto loan.

Third, you admitted you were not able to make the payments in full. You only made partial payments some of the time. That is the very first indicator that you really can't afford to own a vehicle.

As a result, you now have a repo that will probably be notated on your credit because you failed to make the payments. You set yourself up for failure by going to a Buy Here Pay Here lot to start. Your best bet at this stage is to do what you have to do to pay off the vehicle. I am sure if you come up with the money today, they will most likely accept it. Remember, you owe a balance even if you never get the vehicle back. The auto lender will send you paperwork telling you the exact deficiency amount after the vehicle is sold. The note you signed to buy the vehicle does NOT go away when the vehicle is repossessed. It is your responsiblity to pay this off whether you have the vehicle in your possession or not. That is the contract you signed when you purchased the vehicle. Read the contract so you are aware.

If the car lot doesn't accept your payment, then you will need to make arrangements to take public transportation to your workplace or ride with a co-worker. Don't go out and buy another vehicle. You aren't ready to own one yet. Educate yourself on your responsibilities as a vehicle owner before you attempt to buy another one. Get your financing through a bank or credit union and go to a regular dealership. If you can't do that, then work on your credit and income before you attempt to purchase another vehicle of any type. In the meantime, you will have plenty to deal with paying off the loan you already committed to when you signed the contract for this vehicle you wrecked.